| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 7.49% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 3.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 18.31% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.66% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $6K | — | $6K | 10.80% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.09% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 45 | $784K |
| Vision | VISION SERVICE PLAN | 502 | $56K |
| Life insurance | STANDARD INSURANCE COMPANY | 699 | $201K |
| Long-term disability | STANDARD INSURANCE COMPANY | 198 | $51K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 45 | $784K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 775 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.